Real Estate Loans


Looking to buy a house, refinance your mortgage, or access the equity in your home? FB&T offers conventional and jumbo, fixed and adjustable-rate mortgages, with the most competitive rates in town. We’re dedicated to finding a loan that's right for you. Plus, we offer special programs to help even first-time buyers qualify, rate protection plans for buyers and sellers, quick approval, and other personal services to save you time and money. For the home financing options you're looking for, stop by or call our loan officers today!

Fixed Rate Mortgages

Check us out for long-term fixed rate home loans. Rates today are extremely low and can be locked in for terms up to 30 years. This gives you peace of mind knowing your interest rate and principal and interest payments will never go up! There are attractive options for first time homebuyers as well. The process of purchasing a home can seem overwhelming, but we do the leg work for you and assist you every step of the way. Buyers have repeatedly told us “thank you” for making it seem so easy!

Adjustable Rate Mortgages

Do you want to buy or refinance a home with low closing costs? Are you planning to make a housing change within the next few years and prefer not to incur the costs associated with a long-term fixed rate mortgage? An Adjustable Rate Mortgage may be the perfect product for you. This type of loan is available to purchase, refinance or remodel a home or rental property. The interest rate is adjusted once per year, based on nationally published U.S. Treasury rates, and the loans are repayable over periods of up to 20 years. The loan is owned and serviced by FB&T and is never sold to another lender. We can tailor a loan that meets your needs!

Home Equity Loans

You've worked hard making the monthly payments on your home over the years. Why not let it work for you now? A home equity loan can be just the product you need to remodel or repair your home, pay off credit cards, or provide funds for a variety of other needs.

Construction Loans

You’ll have plenty of decisions to make when you build your home. Why not make it easier by allowing First Bank to open a construction line of credit for you. We can pre-qualify you for the permanent home loan, giving you peace of mind during the building phase. The interest rate on the construction loan is fixed, and advances are as simple as writing a check!

Mobile Home Loans

Whether you are purchasing or re-financing a mobile home, we are here to help.  Our experienced lending staff and competitive interest rates make it easy.

Apply at our Online Real Estate Loan Application site


Fill out our printable Real Estate Loan Application





Jon Q. Alexander
Lori J. Pierce
Mason Bolay
Nick Davis

Kay Ranney

Blake Tope

Clark Shouse Jr.
Kyle Beavers 

Click here to learn more about our loan officers


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